Insurance Counts offers many solutions for your auto insurance needs. Whether you have a perfect record or need a little assistance to get you and your family covered, we have a solution. Please contact us for an insurance review.
Many of us wonder what coverages we need an what they mean. Please review the coverages below and give us a call with any questions.
Liability coverage is required by the state. Liability coverage covers you for property damage and bodily injury if you are at fault for an accident.
Comprehensive coverage covers you against fire, theft, vandalism and act of God. Exclusions do apply with all carriers so make sure you understand what is covered. If you decide to have towing and rental they fall under your comprehensive coverage as well.
Collision coverage covers the repairs to your car if your car hits another car or object. You can have an at fault or not at fault collision. For example: If a shopping cart is blown into your car and causes damage this would be a not at fault collision and is subject to your collision deductible.
Property damage covers you for the damage you have caused to someone elses property. It is very important that you have enough property coverage.
Med pay covers the medical expenses you or the occupants in your car may have as a result of an injury from an accident. This coverage is paid regardless of who is at fault.
Bodily injury covers against loss because of an injury you have caused someone else.
Uninsured motorist covers you or passangers in your vehicle who are injured or killed in a car accident and the other driver is at fault and does not have auto insurance. Coverage limits are usually the same as your bodily injury limits. This does not cover damage to your car.
Underinsured motorist covers the you or passangers in your car who are injured or killed in a car accident and the other driver does not have enough coverage to pay your medical expenses. Coverage limits are usually the same as your bodily injury limits. This does not cover damage to your car.
Roadside assistance reimburses you to a certain dollar limit for a tow. It also covers you if you have a flat tire, run out of gas or lock yourself out of your car.
Rental reimburses you up to a certain dollar limit per day with a max per claim. Rental only covers you if you are in an accident and your car is being repaired. This coverage is not to rent a car while on vacation.
Multi Car Discount
Multi car discount is given if you have more then one car insured with the same company. You must have at least liability on each car to get this discount.
Multi Policy Discount
Multi policy discount is given if you have your cars and home or renters insurance with the same company.
Anti Theft Discount
Anti theft discounts are given if you have full coverage insurance with comp and collision. Anti theft is usually deterrmined by the VIN#. If you have keyless entry or a chip on you key, you most likely will qualify for this discount.
Good Student Discount
Good student discount is given if your full time student has a 3.0 GPA or better. This discount is given during high school and college years. This is a significant discount.
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Montgomery, IL 60538